Credit Risk Analyst

About the Role

Our client is seeking a diligent and analytical Credit Risk Analyst to join their established team in Sunderland . This role is crucial for assessing and managing the creditworthiness of potential and existing clients, ensuring the financial stability and risk mitigation of the institution. You will contribute to developing and implementing robust credit risk policies and strategies, playing a vital part in the financial health of the company within the North East's growing financial services hub . This is an excellent opportunity for a motivated individual looking to deepen their expertise in risk management.

Key Responsibilities

• Analyze financial statements and credit data to assess the risk of loan defaults.
• Develop, implement, and monitor credit scoring models and risk assessment tools.
• Prepare detailed credit reports and recommendations for loan approval or rejection.
• Monitor the performance of existing loan portfolios and identify potential risks.
• Ensure compliance with regulatory requirements related to credit risk.
• Collaborate with lending teams and other departments to manage credit exposure effectively.

Requirements

• Bachelor's degree in Finance, Economics, Mathematics, Statistics, or a related field.
• Proven experience in credit risk analysis , lending, or a related financial role.
• Strong analytical skills with proficiency in statistical analysis and data modeling.
• Familiarity with credit risk management principles and regulatory frameworks.
• Excellent report writing and presentation skills.
• Experience working in a hybrid environment in the Sunderland area is beneficial.

Benefits

• Competitive salary package.
• Hybrid working model providing a blend of office and remote flexibility.
• Comprehensive health and wellness benefits.
• Generous pension scheme.
• Opportunities for ongoing professional development and training in risk management .